Is a front door covered by insurance?

Is a Front Door Covered by Homeowners Insurance?

Your front door is one of the most important parts of your home—it provides security, insulation, and curb appeal. But what happens if it gets damaged? Will your homeowners insurance cover the repair or replacement costs? The answer depends on the cause of the damage and the specifics of your policy.

When Does Homeowners Insurance Cover Front Door Damage?

1. Damage from Covered Perils
   Homeowners insurance typically covers damage caused by perils such as:

   • Fire or smoke

   • Storms, wind, or hail

   • Vandalism

   • Theft or attempted break-ins

   • Falling objects (like a tree branch) If your front door is damaged due to any of these events, your policy will likely cover the cost of repairs or replacement, minus your deductible.

2. Break-Ins and Theft
   If your front door is damaged during a burglary or attempted break-in, most standard homeowners insurance policies will cover the damage. Additionally, stolen belongings inside the home may also be covered under personal property coverage.

3. Accidental Damage (If You Have Additional Coverage)
   Standard policies don’t typically cover accidental damage, such as a pet scratching up your front door or someone accidentally kicking it in. However, some insurers offer optional accidental damage coverage, which may cover these situations.

When Is a Front Door Not Covered?

1. Wear and Tear
   Insurance does not cover normal aging, deterioration, or maintenance-related issues. If your front door is falling apart due to age, you will need to replace it at your own expense.

2. Negligence and Poor Maintenance
   If the damage is due to neglect—such as failing to repair rotting wood or ignoring a faulty lock—your claim may be denied. Insurers expect homeowners to maintain their property.

What to Do If Your Front Door Is Damaged

If your front door sustains damage, follow these steps:

1. Assess the Damage – Determine if it was caused by a covered peril.

2. Take Photos – Document the damage for your claim.

3. Contact Your Insurance Provider – File a claim if applicable.

4. Prevent Further Damage – Secure your home temporarily if needed.

5. Get Repairs or Replacement – Work with a professional to restore your front door.

Need Help Finding the Best Home Insurance?

At Toby Hansen Agency, we search nearly 100 carriers to ensure you get the best price for the best coverage. If you’re unsure whether your homeowners insurance protects your front door, contact us today for a free policy review!